Rates
| Term | APR* as low as |
|---|---|
| Up to 48 Months | 3.49% |
| Up to 60 months | 3.75% |
| 61 to 72 months | 3.99% |
| 73 to 84 months | 5.25% |
| Model Year | Term | APR* as low as |
|---|---|---|
| Current to 7 years | Up to 48 months | 3.49% |
| Current to 7 years | Up to 60 months | 3.75% |
| Current to 7 years | 61 to 72 months | 3.99% |
| Current to 7 years | 73 to 84 months | 5.25% |
| 8 to 10 years | Up to 36 months | 4.95% |
| 8 to 10 years | Up to 48 months | 5.38% |
* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.
Car & Truck Loan payment example: A loan of $30,000 for 84 months at 5.25% APR will have an estimated monthly payment of $428. Use an AFFCU Financial Calculator to calculate loan payment amounts.
| Term | APR* as low as |
|---|---|
| Up to 36 months | 5.00% |
| 37 to 48 months | 5.50% |
| 49 to 60 months | 6.00% |
| Model Year | Term | APR* as low as |
|---|---|---|
| Current + 3 years | Up to 36 months | 5.00% |
| Current + 3 years | 37 to 48 months | 5.50% |
| Current + 3 years | 49 to 60 months | 6.00% |
| 4 to 8 years | Up to 24 months | 5.50% |
| 4 to 8 years | 25 to 36 months | 6.00% |
| 4 to 8 years | 37 to 48 months | 6.50% |
* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.
Motorcycle, Powersports, & ATV Loan payment example: A loan of $15,000 for 60 months at 6.00% APR will have an estimated monthly payment of $290. Use an AFFCU Financial Calculator to calculate loan payment amounts.
| Term | APR* as low as |
|---|---|
| Up to 60 months | 5.00% |
| 61 to 72 months | 5.50% |
| 73 to 84 months | 6.00% |
| Model Year | Term | APR* as low as |
|---|---|---|
| Current + 3 years | Up to 60 months | 5.00% |
| Current + 3 years | 61 to 72 months | 5.50% |
| Current + 3 years | 73 to 84 months | 6.00% |
| 4 to 8 years | Up to 60 months | 6.00% |
| 4 to 8 years | 61 to 72 months | 6.50% |
| 4 to 8 years | 73 to 84 months | 7.00% |
* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.
Boat, Jet Ski, Watercraft Loan payment example: A loan of $25,000 for 60 months at 6.00% APR will have an estimated monthly payment of $365. Use an AFFCU Financial Calculator to calculate loan payment amounts.
| Term | APR* as low as |
|---|---|
| Up to 60 months | 5.00% |
| 61 to 84 months | 6.00% |
| 85 to 96 months | 6.50% |
| 97 to 120 months | 6.50% |
| 121 to 144 months | 7.00% |
| Model Year | Term | APR* as low as |
|---|---|---|
| Current + 4 years | Up to 60 months | 5.00% |
| Current + 4 years | 61 to 84 months | 6.25% |
| Current + 4 years | 85 to 96 months | 6.75% |
| Current + 4 years | 97 to 120 months | 6.75% |
| Current + 4 years | 121 to 144 months | 7.25% |
| 5 to 10 years | Up to 60 months | 5.50% |
| 5 to 10 years | 61 to 84 months | 6.75% |
| 5 to 10 years | 85 to 96 months | 7.00% |
| 5 to 10 years | 97 to 120 months | 7.25% |
* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.
RV & Fifth Wheel Loan payment example: A loan of $100,000 for 144 months at 7.00% APR will have an estimated monthly payment of $1,028. Use an AFFCU Financial Calculator to calculate loan payment amounts.
| Term | APR* as low as |
|---|---|
| 12 Months | 8.50% |
| 24 Months | 8.50% |
| 36 months | 8.50% |
| 48 Months | 9.00% |
| 60 Months | 9.50% |
* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.
Signature Loan payment example: A loan of $10,000 for 60 months at 9.50% APR will have an estimated monthly payment of $210. Use an AFFCU Financial Calculator to calculate loan payment amounts.
| Term | APR* as low as |
|---|---|
| Up to 60 months | 6.99% |
* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates
subject to change at any time without notice. Offer available August 1-31, 2022.
Back to School Loan payment example: A loan of $15,000 for 60 months at 6.99% APR will have an estimated monthly payment of $297. Use an AFFCU Financial Calculator to calculate loan payment amounts.
| Account | APR* as low as |
|---|---|
| Line of Credit | 8.50% |
* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.
Line of Credit payments are 4% of the outstanding loan balance with a minimum payment of $25.
Use an AFFCU Financial Calculator to calculate loan payment amounts.
| Term | APR* |
|---|---|
| 6 to 60 months | 1.5% above the pledged Certificate Account APY |
* APR = Annual Percentage Rate. Membership eligibility required. Rates subject to change at any time without notice.
Certificate Secured Loan payment example: $5,000 borrowed at 3.8% (1.5% above the pledged Certificate Account APY of 2.20%) for 60 months will have an estimated monthly payment of $92. Use an AFFCU Financial Calculator to calculate loan payment amounts.
| Term | APR* |
|---|---|
| 6 to 60 months | 1.5% above the pledged Savings Account APY |
* APR = Annual Percentage Rate. Membership eligibility required. Rates subject to change at any time without notice.
Savings Secured Loan payment example: $5,000 borrowed at 1.6% (1.5% above the pledged Savings APY of .10%) for 60 months will have an estimated monthly payment of $87. Use an AFFCU Financial Calculator to calculate loan payment amounts.
| Term | Rate as low as | APR* |
|---|---|---|
| 120 months | 4.29% | 4.458% |
| 180 months | 4.79% | 4.909% |
* APR = Annual Percentage Rate. APR reflects the interest rate, as well as mortgage fees and other charges you may have to pay to get the loan. Financing available for properties in Texas. Membership eligibility required. Loan subject to credit approval. Minimum loan amount may apply. Rate based on credit score. Maximum CLTV on primary residences 80% in Texas. Borrower may be responsible for additional costs such as origination fee, appraisal fee, credit report, title search, courtesy closing fee, notary fee, and recording fee. Property insurance is required, including flood insurance where required. Other restrictions may apply. Rates and terms are subject to change at any time without notice.
Home Equity Loan payment example: A loan of $25,000 for 120 months at 4.458% APR will have an estimated monthly payment of $259. Use an AFFCU Financial Calculator to calculate loan payment amounts.
| Visa Platinum Card | APR* as low as |
|---|---|
| Visa Platinum Card | 10.50% |
* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.
Your APR will vary with the market based on the Prime Rate.
Minimum monthly payment due will be the greater of: a) 2.5% of outstanding balance, or b) $10.
| Account | Dividend Rates | APY* |
|---|---|---|
| Rewards Checking | 0.05% | 0.05% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.
Monthly fee $4. Maintaining a minimum balance in the account of $500 during the calendar month will result in the monthly fee being waived. $25 initial opening deposit required.
| Minimum Balance | Account | Dividend Rates | APY* |
|---|---|---|---|
| $5.00 | Primary Savings Account | 0.10% | 0.10% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.
Limited to six (6) transfers or withdrawals per month.
| Minimum Balance | Account | Dividend Rates | APY* |
|---|---|---|---|
| $0.00 | Secondary Savings Account | 0.10% | 0.10% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.
No minimum opening balance required. Limited to six (6) transfers or withdrawals per month.
| Minimum Balance | Dividend Rates | APY* |
|---|---|---|
| Up to $2,500.00 | 0.250% | 0.25% |
| $2,500.01 - $25,000.00 | 0.250% | 0.25% |
| $25,000.01 - $50,000.00 | 0.300% | 0.30% |
| $50,000.01 - $100,000.00 | 0.350% | 0.35% |
| $100,000.01 and up | 0.400% | 0.40% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.
Minimum $2,500 opening deposit required. Minimum $250 daily balance required to avoid $10 monthly service fee. Limited to six (6) transfers or withdrawals per month.
| Term | Dividend Rates | APY* |
|---|---|---|
| 6 Months | 1.243% | 1.25% |
| 1 Year | 1.685% | 1.70% |
| 18 Months | 1.785% | 1.80% |
| 2 Years | 1.977% | 2.00% |
| 3 Years | 2.618% | 2.65% |
| 5 Years | 2.716% | 2.75% |
| 7 Years | 2.813% | 2.85% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.
Minimum $1,000 opening deposit required. Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.
| Account | Dividend Rates | APY* |
|---|---|---|
| Christmas Club | 0.10% | 0.10% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.
No minimum opening balance required. Early withdrawal fee is $10. Early closure fee is $10.
| Account | Dividend Rates | APY* |
|---|---|---|
| Youth Savings Account | 0.10% | 0.10% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.
| Account | Dividend Rates | APY* |
|---|---|---|
| Student Savings Account | 0.10% | 0.10% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.
| Account | Dividend Rates | APY* |
|---|---|---|
| Student Checking Account | 0.05% | 0.05% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.
| Minimum Balance | Dividend Rates | APY* |
|---|---|---|
| Up to $2,499.99 | 0.30% | 0.30% |
| $2,500.00 - $9,999.99 | 0.30% | 0.30% |
| $10,000.00 - $24,999.99 | 0.30% | 0.30% |
| $25,000.00 - $49,999.99 | 0.45% | 0.45% |
| $50,000.00 - $89,999.99 | 0.45% | 0.45% |
| $90,000.00 - $99,999.99 | 0.55% | 0.55% |
| $100,000 and up | 0.55% | 0.55% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Minimum $5.00 opening balance required. Rates subject to change at any time without notice.
| Minimum Balance | Dividend Rates | APY* |
|---|---|---|
| Up to $2,499.99 | 0.30% | 0.30% |
| $2,500.00 - $9,999.99 | 0.30% | 0.30% |
| $10,000.00 - $24,999.99 | 0.30% | 0.30% |
| $25,000.00 - $49,999.99 | 0.45% | 0.45% |
| $50,000.00 - $89,999.99 | 0.45% | 0.45% |
| $90,000.00 - $99,999.99 | 0.55% | 0.55% |
| $100,000 and up | 0.55% | 0.55% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.
| Term | Dividend Rates | APY* |
|---|---|---|
| 1 Year | 1.685% | 1.70% |
| 18 Months | 1.785% | 1.80% |
| 2 Years | 1.977% | 2.00% |
| 3 Years | 2.618% | 2.65% |
| 5 Years | 2.716% | 2.75% |
| 7 Years | 2.813% | 2.85% |
* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.
Minimum $1,000 opening deposit required. APY is based on the assumption that dividends will remain on deposit in the IRA Certificate Account until maturity. Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. You should seek the advice of your own tax advisor with respect to your particular circumstances.